SGI CANADA Special Coverages policy booklet

Pairs or Sets
(Applies to Belongings and Special Belongings)
Pair: If there is a loss to half of a pair, we will pay you as though the
complete pair had the loss. The undamaged piece becomes our property.
Set: For items that are part of a set of two or more pieces, we will pay
only for those parts that had the loss. For example, if your chair were
destroyed, we would pay for that damage. We would not pay for the
matching sofa, unless it was damaged as well.
Dent Exclusion Clause for Seasonal Mobile Homes
When the cause of loss is windstorm or hail we do not cover dent damage
to metal roofs or siding unless they are actually punctured.
Property with Specific Amounts of Protection – Belongings
(Not Applicable to Special Belongings)
For certain types of property the amount we will pay is explained below.
The deductible on your Cover Page applies.
(1) Unless otherwise specified, for losses due to any insured peril
we will pay up to these amounts:
a) $5,000 in all for books, tools, and instruments pertaining to
a business, profession, trade, or occupation. We will pay up
to $5,000 in all for computer hardware used in a business,
profession, trade or occupation. They are only covered at your
premises. We do not cover other business or farm property, such
as samples, supplies, or goods held for sale.
b) $2,500 in all for securities.
c) $300 for bullion and $300 for money. Money includes gift cards,
cash cards and gift certificates. We will pay for loss only while
these items are in your dwelling, a place you are living for a short
time (like a hotel room), a bank or trust company; but we will
cover loss due to the peril of theft, where covered, at any location
except where such property is on exhibit or display, or any time
such property is being held for sale by others.
d) $2,500 in all for boats, their equipment, accessories, outboard
motors, and jet propulsion personal watercraft, including
unlicensed boat trailers that are not required to be licensed.
Coverage applies anywhere in Canada or the continental U.S.A.
for fire or lightning. Other perils you are insured for apply only
at your premises. We do not cover loss or damage caused by
freezing.
e) $1,500 in all for computer software. We will not pay the cost of
gathering or assembling information or data.
f) $1,500 in all for death or destruction made necessary of animals,
birds, or fish within 30 days of injury caused by fire, lightning or
smoke.
g) $5,000 in all for any one lawnmower, garden tractor, snowblower
and their attachments and accessories.
h) $200 on any one item and a total amount of $2,500 in all for
losses, in any one policy term, for trading cards and comic books.
i) $1,000 in all for spare automobile parts and accessories.
j) $5,000 in all for cemetery property anywhere in Canada.
(2) For losses due to Peril 12 – Theft, and Peril 14 – Comprehensive
Perils (excluding the Listed Perils) we will pay up to these amounts:
a) $10,000 in all for jewellery, watches and gems.
b) $10,000 in all for furs, fur garments, and garments trimmed with
fur.
c) $2,500 in all for manuscripts, stamps, and philatelic property
(such as stamp collections).
d) $300 in all for numismatic property (such as coin collections).
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